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4 ways to choose the best personal loan?
Be it a , children’s education, a medical emergency or foreign travel, a personal loan is a great way to raise funds for a wide range of personal needs. You can get the funds quickly, with minimal documentation. You can repay the loan over many months or years in easy monthly instalments. But how do you select the best personal loan in India?
Time for disbursal
When you are in immediate need of funds for an emergency or any other reason, you want a quick turnaround from your bank and the money in your account in a hurry. Pre-approved HDFC Bank customers can get a personal loan in 10 seconds; others will receive it in less than 4 hours. If you are a customer, you can check with the bank or via NetBanking if there’s a personal loan offer for you.
The loan amount, tenure and repayment
These three components are critical, because they determine your monthly payout or EMI (equated monthly instalments). Is the bank willing to give you as much as you need (check out the HDFC Bank loan eligibility calculator)? Does it offer flexibility in choosing the tenure? Does it offer you the option of repaying in easy EMIs? HDFC Bank offers a personal loan amount of up to Rs 40 lakh, with tenures from 12-60 months, and repayment in easy EMIs, starting at Rs 2174 per lakh (check out our personal loan EMI calculator to plan your loan better).
Loan Process
How efficient is the loan process? Do you have to submit a lot of paperwork? Can you apply online, without leaving your home or office? These questions are particularly important when you want money in a hurry. You can apply for a HDFC Bank personal loan in a variety of ways – online on the website, via Netbanking, at an ATM or by visiting an HDFC Bank branch. If you are a pre-approved customer, you can get a loan with little or no documentation, and the money in under 10 seconds.
Cost of the loan
The interest rate on your loan and the processing fee determine the total cost of the loan. Look at both these factors before you decide. HDFC Bank offers highly competitive interest rates and low processing fee, allowing you to repay in pocket-friendly EMIs of Rs 2174 per lakh. You can also transfer your current loan to HDFC Bank at an interest rate starting as low as 11.99%.
With its superfast disbursals and efficient loan process, HDFC Bank offers among the best personal loans in India. The bank comes up with personal loan offers periodically.
They say, “All that glitters is not gold.” While this may be true in most cases, when Indian festivals come around, you can be sure that the glittering yellow metal hanging off people’s necks and hands is indeed, gold
Weddings come once-in-a-lifetime. And you want it to be perfect in every way. A personal loan makes your dream wedding possible. Get complete peace of mind about finances for your big day with a marriage loan.
A personal loan is one that is provided by a bank to fund a financial need or immediate cash requirement, be it for business, family wedding, studies or foreign trips. The bank will not question you about the end use when you are applying for a personal loan
Personal loans are loans that do not require collateral or security and is offered with minimal documentation. You can use it for any legitimate personal need. Like any other loan, you must repay it according to agreed terms with the Bank usually over a few months to a few years in easy equated mont
When you have a clean credit history and a track record of financial discipline, you may become eligible for a personal loan pre-approval.
Whether you want funds for a family wedding, a foreign holiday, child’s education, home renovation or medical emergency —a personal loan is the ideal solution for your urgent financial needs.
A personal loan is useful to fund a range of financial needs, including home renovation, children’s education, medical emergency, family wedding or a dream vacation.
Emergencies may happen rarely, but they are always unexpected. And when you are faced with a tough situation, you may need funds quickly.
Ask yourself these questions before you decide to apply. From how to apply for a personal loan to personal loan requirements, we have the answers to key questions that you may have.
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EMI is one of the most important aspects of any loan that you take. EMI stands of equated monthly instalments. It is the amount you will have to pay every month till the end of your loan tenure
Two questions that most people have when they take a personal loan are: How much loan can I get? How much will I have to pay out every month?
Be it a wedding, children’s education, a medical emergency or foreign travel, a personal loan is a great way to raise funds for a wide range of personal needs. You can get the funds quickly, with minimal documentation. You can repay the loan over many months or years in easy monthly instalments.
At times you need to borrow funds to finance large purchases, consolidate existing debts or even seek short term help. HDFC Bank offers a wide range of financial products that can be borrowed to suit your financial requirements
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